These lenders have a lot of ammo and plan B's.
Countrywide and WAMU were at the center of the financial crisis debacle. All that happened is the "companies" fell apart but the CEOs and upper mgmt simply formed another mortgage company that is still essentially Countrywide and WAMU got qcuiered by JP Morgan Chase. So they are now Chase Bank (promoting the same zero fee) checking accounts and once has the lowest mortgage rates of any bank.